# ChainATM vs Binance

> Binance is the largest crypto exchange by trading volume, offering spot, margin, futures and earn products across a very wide asset list.

## Side-by-side

| | ChainATM | Binance |
|---|---|---|
| Website | https://www.chain-atm.com | binance.com |
| Category | AI-powered crypto wallet (chat + voice) | exchange |
| Fees | 1 credit per tx (0% on USDC and EURC) | Tiered spot trading fees by volume, with separate pricing for card purchases |
| Interface | AI chat (voice + text) | Full trading terminal with order books, plus a simplified buy flow |
| Custody | Non-custodial (self-custody wallet) | Custodial (Binance holds the assets) |
| AI commands | Yes | No |
| Voice commands | Yes (iOS) | No |
| Fiat onramp | Yes (Coinbase) | Yes |

## Binance strengths

- Largest asset selection of any major venue
- Deep liquidity and tight spreads
- Low trading fees at volume
- Extensive earn and derivatives products

## Binance weaknesses

- Custodial, so not your keys
- Interface is overwhelming for beginners
- No AI or voice
- Regulatory position varies by country
- Buying and self-custody are separate steps

## Why choose ChainATM over Binance

- Self-custody by default: Binance's exchange holds your funds
- No order books, no charts, no trading pairs. Just chat
- One app for buy, swap, and send (no separate wallet product)
- Voice commands on iOS

## Common questions

### Is Binance or ChainATM better for buying and sending crypto?

It depends on which part you do most. Pick Binance if what your use case turns on is what it is strongest at: Largest asset selection of any major venue; Deep liquidity and tight spreads. ChainATM is the better choice if you want to buy, swap and send from one conversation instead of three separate flows, and it charges 0% ChainATM fees on USDC and EURC. ChainATM is non-custodial throughout: it never holds your funds, and purchases are executed by Coinbase straight into a wallet you control.

### What does Binance cost compared to ChainATM?

Binance: Tiered spot trading fees by volume, with separate pricing for card purchases. ChainATM: 1 credit per transaction, from EUR 0.099 per credit, and 0% ChainATM fees on purchases of USDC and EURC. Other tokens use standard Coinbase on-ramp pricing. Network gas fees apply on both sides and go to the blockchain, not to the provider.

### Can I use Binance and ChainATM together?

Yes. ChainATM is self-custody and does not require you to move away from Binance. Many people keep Binance and use ChainATM for the parts that are awkward elsewhere: cross-chain swaps in a single command, or fee-free USDC and EURC purchases.

### Does ChainATM hold my crypto like Binance does?

No. Binance holds your crypto on its own books until you withdraw it. ChainATM is non-custodial: the coins land in your own wallet, we never hold your funds, and we never have access to your keys in usable form. There is no withdrawal step, because nobody else held the funds in the first place.

### Is ChainATM available in my country?

Availability depends on our on-ramp partners' supported regions. ChainATM is built by Noctra Labs UG (haftungsbeschränkt) in Trier, Germany, registered at Amtsgericht Wittlich under HRB 48033. The fiat on-ramp runs through Coinbase, with EUR purchases by SEPA, card and Apple Pay.

## Related

- [All comparisons](https://www.chain-atm.com/compare.md)
- [Buy crypto](https://www.chain-atm.com/buy.md)
- [Pricing](https://www.chain-atm.com/pricing.md)
- [Auf Deutsch lesen](https://www.chain-atm.com/vergleich/binance.md)